Ryan Robson The Mortgage Broker

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Ryan Robson The Mortgage Broker NMLS # 399204 | Licensed in CA, TX, FL, TN

10/22/2026

If you are self-employed and getting told no on a mortgage, your tax returns might be the reason, not your income. Write-offs lower your tax bill but they also lower the income a standard lender can count, and for a lot of business owners that gap means a denial. Bank statement loans were built for exactly this situation. Instead of tax returns, the lender looks at 12 to 24 months of your deposits to get a clearer picture of your actual cash flow. It is a specialty loan with a higher rate and more down required, but for a self-employed buyer who earns well and keeps hearing no, it can be the difference between renting and owning. Comment STATEMENTS for the free guide or DM me or visit ryanrobson.com if you have questions.

10/21/2026

Most people trying to afford a home right now are only thinking about one unit. House hacking flips that by buying a two to four unit property, living in one, and renting out the others using owner-occupied financing through FHA, VA, or conventional programs. Lenders can often count a portion of that rental income toward your qualifying amount, so the rent helps you get approved and helps pay the bill. After the first year you can move out and keep the building as a rental. One loan, your first home, and your first investment property.

Comment HACK and I will send you a free guide on how it works and what to check before you buy. DM me or visit ryanrobson.com if you have questions.

10/20/2026

The number you are approved for is a ceiling not a target and that is one of the most important things I tell buyers.

Approval is based on income, debts, and credit. It does not account for your groceries, daycare, gas, or the fact that you would like to sleep at night. So flip it. Start with the monthly payment that feels genuinely comfortable with taxes and insurance included and work backward to the price. Then run the stress test: what happens if the car breaks down, your property taxes go up, or your hours get cut? If one surprise puts you in a hole the payment is too tight.

I would rather help you buy a little less house you can actually live in than max you out and watch you struggle. Comment BUDGET and I will send you my free payment first worksheet. DM me or visit ryanrobson.com if you have questions.

10/19/2026

What if you could buy a house and keep the seller’s old interest rate? It is real and it is called a loan assumption. FHA, VA, and USDA loans can generally be taken over by a qualified buyer at the seller’s existing rate and those rates from a few years ago were far lower than today. There are catches including covering the equity gap and a longer timeline but when it fits it can save real money every month for years.

Comment ASSUME and I will send you my free guide. DM me or visit ryanrobson.com with questions.

10/16/2026

Most buyers never think to ask for this: a seller credit used to buy down their interest rate. Not a lower price. A lower payment.

Redfin reports that more than four in ten home sales now include some kind of seller concession and rate buydowns are among the most common. One popular version is called a 2-1 buydown. For the first two years your payment is lower and then it steps up to your permanent rate. Think of it as a ramp instead of a cliff. It gives you time to grow into the payment or time to refinance if rates come down.

Is it always better than a price cut? No. A price cut helps every month for as long as you own the home. A buydown helps for a set window. The right answer depends on your plan and you should ask early because credits go a lot further on a home that has been sitting than one in a bidding war.

Comment CREDIT and I will send you my free guide on how to negotiate credits and what each loan type allows. DM me or visit ryanrobson.com if you have questions.

10/15/2026

Rates keep moving and I get the same question every day: should I just wait?

Honest answer: for some people yes. If buying would drain your savings, your job feels uncertain, or you might move in the next couple of years waiting is the smart call. But if you are stable, the payment fits, and you plan to stay five years or more waiting is not free. There is rent, prices can move, and nobody can promise a better rate or price when you come back.

The question is not what rates are doing this week. It is whether this purchase fits your life.

Comment WAIT and I will send you my free checklist to help you decide. DM me or visit ryanrobson.com if you have questions.

10/14/2026

If you locked in a great mortgage rate a few years ago and want a bigger home you might be feeling stuck. But here is a question most people never ask: do you actually have to sell?

Keeping your current home as a rental lets your tenants help cover that payment while you hold onto a rate nobody can get today and the home keeps building equity every month. The honest part is that you will need cash or other equity for the next down payment since a cash-out refinance would replace your low rate and defeat the purpose. You will also need to qualify on both homes but in many cases lenders can count part of the rental income depending on the loan program and your equity position.

Comment KEEP and I will send you my free guide on deciding between selling and keeping. DM me or visit ryanrobson.com if you have questions.

10/14/2026

Closing costs might be about to get cheaper and this is worth paying attention to if you are thinking about buying a home.

The FHFA is expected to announce that Fannie Mae and Freddie Mac will only require credit reports from two bureaus instead of three which means lower costs for buyers potentially within the next few months. At the same time rents just posted their biggest annual jump since April 2025 hitting $1,932 a month while home values barely moved making the case for buying even stronger. Yes rates jumped this week but that is actually making sellers more flexible on credits buydowns and pricing which is a real opportunity for prepared buyers right now.

DM me or visit ryanrobson.com if you have questions.

10/13/2026

Everyone asks about the rate but that is only part of what you will pay every month.

Your full payment can include property taxes, homeowners insurance, HOA dues, and mortgage insurance on top of principal and interest. Most buyers focus on the first two and get surprised by the rest. Property taxes often reset after you buy and insurance keeps climbing in most markets so two homes at the same price can have very different monthly costs.

Comment PAYMENT and I will send you my free guide breaking down every piece. DM me or visit ryanrobson.com if you have questions.

10/13/2026

Layoffs, AI, and a shaky job market have a lot of buyers asking whether now is even the right time to purchase a home.

Honest answer: if your job is stable and the payment fits you can absolutely buy. If your industry feels uncertain it does not mean never. It means plan. Most buyers do not know their lender checks employment again right before closing, which means a job change mid-transaction can unravel everything.

Comment JOBS and I will send you my free guide on buying when your job feels uncertain.

DM me or visit ryanrobson.com if you have questions.

Address

5559 S. Sossaman Road , Bldg 1, Suite 101
Prosper, TX
85212

Telephone

+14698885935

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